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American Express Card Membership Benefit: Cell Phone Protection (Up to $800)

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(Valid for Select Cardholders/Cards)
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American Express is offering select/qualifying American Express Card Membership Benefit/Perk: Cell Phone Protection embedded on select card(s) for Free. Effective on April 1, 2021, you can be reimbursed for your repair or replacement costs following damage or theft up to $800 per claim w/ a limit of 2 approved claims per 12-month period when your cell phone line is listed on a wireless bill and the prior month's wireless bill was paid by the Eligible Card account

Thanks to community member(s) WandaVision & other SD Members for finding/contributing to this deal

Note, please check to see if your card offers this benefit, as not all cards is eligible

Some Qualifying American Express Card(s) (select the card below to read the full guide to benefits for Cell Phone Protection related to that card)
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Edited April 27, 2021 at 09:16 AM by
Trolling my amex offer and saw that there is a new benefit for cell phone protection on my personal platinum card. ymmv

https://global.americanexpress.co...n/platinum
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Created 04-04-2021 at 04:17 AM by IronManFan
in Cell Phone Plans & Services (6) See More Amex Offers
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These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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Only the Platinum card. Also this is in-house cell phone insurance by Amex, Visa and Mastercard's cell phone insurance is administered 3rd party and they are a pain to deal with
·
To get coverage:
You must charge your monthly Eligible Cellular Wireless Telephone bill to your Eligible Card Account. You are eligible for coverage the first day of the calendar month following the payment of your Eligible Cellular Wireless Telephone bill using your Eligible Card Account. If you pay an Eligible Cellular Wireless Telephone bill with your Eligible Card Account and fail to pay a subsequent bill using your Eligible Card Account in a particular month, your coverage period changes as follows:
·
Seems to be AIG subsidiary, "Coverage is provided by New Hampshire Insurance Company, an AIG Company."
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Joined Aug 2016
L6: Expert
> bubble2 1,130 Posts
150 Reputation
Batmansplumber
04-06-2021 at 01:17 AM.
04-06-2021 at 01:17 AM.
Quote from Gweedo8 :
450 dollars a year for this card. It seemed to be good at one point but hf how disappointing this card has become. Can you imagine the company hasn't fired the manager in charge of rewards yet?! It's just amazing

$550, not $450. $200/year airline credit, $30/month PayPal credit, $15/month Uber credit, $100 Saks credit. plus a great sign up bonus. I see it as a profitable card, if you use the benefits. Plus Centurion access, if you live in a city whose airport had one...
2
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Last edited by Batmansplumber April 6, 2021 at 01:22 AM.
Joined Apr 2020
L1: Learner
> bubble2 24 Posts
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BoastfulLanguage347
04-06-2021 at 03:44 AM.
04-06-2021 at 03:44 AM.
Quote from Batmansplumber :
$550, not $450. $200/year airline credit, $30/month PayPal credit, $15/month Uber credit, $100 Saks credit. plus a great sign up bonus. I see it as a profitable card, if you use the benefits. Plus Centurion access, if you live in a city whose airport had one...
The $200/yr airline credit is pretty terrible, and something I rarely am able to take advantage of despite flying 30+ segments per year. The paypal credit is a temporary perk, though something will likely take its place. The offers have been very good recently (Best Buy, Home Depot, Dell), but might be due to the inability to take advantage of the standard perks of the card due to COVID.

It's a good card, and is definitely worth it in some use cases. Wish they would rework the $200/yr credit to make it applicable to all airlines rather than a selected one.
Reply
Joined Feb 2017
L8: Grand Teacher
> bubble2 3,055 Posts
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Redmont
04-06-2021 at 05:32 AM.
04-06-2021 at 05:32 AM.
Quote from 2k2tii :
What is NOT covered:

"Replacement Eligible Cellular Wireless Telephone(s) purchased from anyone other than a cellular service provider's retail or internet store that has the ability to initiate activation with the cellular service provider"

So does that mean if I buy the phone from Apple, but use it on Verizon, I'm not eligible? Technically Apple can initiate activation.
yes there is a lot here that is confusing and many of the most critical words that AMEX uses in the Terms and Conditions are not defined . For example, the protection coverage applies to "your phone" . So then does that mean the coverage does not apply to my wife's phone on the same plan if the phone is listed in her name but it will cover her phone if it is listed in my name? The bottom line is I told everyone on my plan to let me know if anything happens to their phone and then we will find out if it is covered or not. Until then I don't know if anyone can really know what is covered and what is not.
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Joined Jun 2011
New User
> bubble2 4 Posts
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jimserra
04-06-2021 at 05:55 AM.
04-06-2021 at 05:55 AM.
I have similar coverage on a Wells Fargo card that has no annual fee and have filed claims several times over the last few years with excellent results.
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Joined Jun 2005
L6: Laser Lotus
> bubble2 21,650 Posts
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shhaggy
04-06-2021 at 06:29 AM.
04-06-2021 at 06:29 AM.
Quote from Baguda :
Last year I looked at the terms on the Wells Fargo CC regarding cell phones and it says only physical damage to the phone is covered. It specifically excludes any coverage for electronics failures or bad (bulging) batteries. So WF's coverage is only useful if you break your phone by dropping it. I suppose if one has an electronics failure one could always "accidentally" smash it on the ground. In a sane world, I would've expected their coverage to be the opposite (i.e. for electronics/batteries failures and not rewarding people for dropping it).

I'm sure the Amex Blue Cash Everyday is excluded from any phone coverage because it's pretty much always excluded from anything good.
I disagree with your assessment. Dropping your phone is exactly the sort of thing this kind of insurance is for. Insurance is designed to cover those unexpected events and accidents, it's not a maintenance plan for when your battery craps out (which WILL happen eventually). If insurance covers events that will eventually happens instead of events that very rarely (and for most people, never) happen, it will be a LOT more expensive. It's the same reason your car insurance covers crashes but not random break downs or part failures.
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Last edited by shhaggy April 6, 2021 at 06:35 AM.
Joined Mar 2006
L9: Master
> bubble2 4,028 Posts
796 Reputation
cccheel
04-06-2021 at 06:39 AM.
04-06-2021 at 06:39 AM.
Quote from Redmont :
yes there is a lot here that is confusing and many of the most critical words that AMEX uses in the Terms and Conditions are not defined . For example, the protection coverage applies to "your phone" . So then does that mean the coverage does not apply to my wife's phone on the same plan if the phone is listed in her name but it will cover her phone if it is listed in my name? The bottom line is I told everyone on my plan to let me know if anything happens to their phone and then we will find out if it is covered or not. Until then I don't know if anyone can really know what is covered and what is not.
How would they know who's phone you're referencing? You guys are too focused in the weeds
1
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Joined Dec 2009
L3: Novice
> bubble2 192 Posts
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higaredar
04-06-2021 at 06:54 AM.
04-06-2021 at 06:54 AM.
Quote from Teck0427 :
Only the Platinum card. Also this is in-house cell phone insurance by Amex, Visa and Mastercard's cell phone insurance is administered 3rd party and they are a pain to deal with
What's your experience dealing with them with the cell phone plan?
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Joined May 2011
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> bubble2 371 Posts
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ap105
04-06-2021 at 06:56 AM.
04-06-2021 at 06:56 AM.
Quote from higaredar :
What's your experience dealing with them with the cell phone plan?
Probably not great since this just got enabled April 1st. doubt many if any have had a chance to use this coverage.
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Joined Jul 2013
L4: Apprentice
> bubble2 477 Posts
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sampatel1
04-06-2021 at 07:28 AM.
04-06-2021 at 07:28 AM.
AMEX Platinum is definitely worth it. I just got my spouse signed up even though I have one. The welcome bonus and the referral offer is something you cannot pass on with the extra $200 that you can spend at Home Depot / Lowe's etc.

4 of my friends have also signed up so far after seeing the below info.

Annual Fee: $550

Savings as follows:
1. $30 per month for PayPal (until June) (Total: $90)
2. $15 per month on Uber Eats (+ $35 in Dec) (Total: $155)
3. $200 in Airline reimbursement
4. $200 in Home Improvement Stores (in first 6 months) - This is only for Referral Offers. If you need one, PM me.
5. $100 at Saks Fifth Ave ($50 every 6 months)
6. $100 for TSA Pre every 4 years
7. Cashbacks from various vendors (BB, Dell, HD etc. throughout the year)
8. Various offers from Amazon throughout the year. These have been a huge savings.
9. 10 points per dollar at Grocery Stores and Gas Stations for 6 months
10. 5 points per dollar on all airline tickets (when buying them directly from airline or thru AMEX Travel)
11. $75,000 points on approval and $5000 spend in 6 months (very valuable)
12. Marriott Gold and Hilton Gold
13. Access to Centurion Lounge for whole family
14. Priority Club Select membership - Usage of airline clubs where Centurion does not exist
15. Access to premium Amex Offers (best offers are targeted only for the Platinum or Centurion cards)
16. Cellphone coverage of $800 with $50 deductible if cellphone gets damaged

If you add up all the above, you recoup far more than double the $550 per year + 75,000 points which most people value at 1.2 cents to 2 cents per point.
2
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Joined Sep 2012
L10: Grand Master
> bubble2 9,428 Posts
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Baguda
04-06-2021 at 07:31 AM.
04-06-2021 at 07:31 AM.
Quote from shhaggy :
I disagree with your assessment. Dropping your phone is exactly the sort of thing this kind of insurance is for. Insurance is designed to cover those unexpected events and accidents, it's not a maintenance plan for when your battery craps out (which WILL happen eventually). If insurance covers events that will eventually happens instead of events that very rarely (and for most people, never) happen, it will be a LOT more expensive. It's the same reason your car insurance covers crashes but not random break downs or part failures.
One is called insurance and the other is called a warranty. I thought when Wells Fargo initially offered it it was called a phone protection warranty. I checked and it's called phone protection insurance now. I don't know if it was always that way and I misread or if they changed it afterwards. So by the definition of insurance, you are right.

Out of curiosity, for those people who have the eligible Amex cards (I don't), is this Amex cell phone protection just damage insurance or an extended warranty covering electronics? Perhaps nobody offers extended warranties covering the electronics/battery outside of Squaretrade and cell phone providers for a (high) monthly charge?

When someone suggested accidentally dropping the phone to break the glass, I wonder if an insurance plan would just fix the screen and leave the bad battery, or do they typically give you a new equivalent phone? As I said earlier, the reason I didn't bother is I'm poor and use sub-$100 Android phones because I can't afford expensive (i)phones.
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Joined Jan 2021
L3: Novice
> bubble2 104 Posts
SmartCrow5521
04-06-2021 at 07:52 AM.
04-06-2021 at 07:52 AM.
Quote from bluekiwi :
Some credit cards already offer this, wells fargo cc comes to mind

Which Wells Fargo?
Reply
Joined Jan 2011
L2: Beginner
> bubble2 30 Posts
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BourbonMan
04-06-2021 at 07:59 AM.
04-06-2021 at 07:59 AM.
My cell phone service is provided by my company as is my wife's. The ATT bill is in Wife's name. My personal ATT service are 2 phones for kids and 2 celluar Ipads (me and wife). Would my kids 2 phones be covered under this since I personally do not have a Phone? (although the Ipad has a phone number)
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Joined Jan 2010
L6: Expert
> bubble2 1,567 Posts
492 Reputation
supren
04-06-2021 at 08:22 AM.
04-06-2021 at 08:22 AM.
Quote from BoastfulLanguage347 :
The $200/yr airline credit is pretty terrible, and something I rarely am able to take advantage of despite flying 30+ segments per year. The paypal credit is a temporary perk, though something will likely take its place. The offers have been very good recently (Best Buy, Home Depot, Dell), but might be due to the inability to take advantage of the standard perks of the card due to COVID.

It's a good card, and is definitely worth it in some use cases. Wish they would rework the $200/yr credit to make it applicable to all airlines rather than a selected one.

i bought travel funds from united and received reimbursement 200 from amex.
Reply
Joined Jul 2006
L3: Novice
> bubble2 185 Posts
15 Reputation
Gweedo8
04-06-2021 at 08:26 AM.
04-06-2021 at 08:26 AM.
Quote from Batmansplumber :
$550, not $450. $200/year airline credit, $30/month PayPal credit, $15/month Uber credit, $100 Saks credit. plus a great sign up bonus. I see it as a profitable card, if you use the benefits. Plus Centurion access, if you live in a city whose airport had one...

Saks is super expensive stuff so the value isn't their for me and 200 airline credit was only for extras with one airline. The priority pass never worked and many lounges are closed because of covid.

The PayPal credit was only for a limited time if i recall. The Uber was all i ever could really count on. Imo
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Joined Jul 2006
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Gweedo8
04-06-2021 at 08:27 AM.
04-06-2021 at 08:27 AM.
Quote from underastormysky :
I make more than the annual fee back every year even without traveling as much as I used to. One of my fave cards of all time.

I travel often and found csr to be far better and easier to enjoy the rewards
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